First, the bank annual fee collection standard:
According to the annual fee policies of various banks, the annual fee for standard credit cards is about 100 yuan, while the annual fee for gold cards is generally in 200 yuan or 300 yuan. Moreover, the annual fee of a single-currency card is lower than that of a dual-currency card, and the annual fee of a secondary card is generally halved corresponding to the annual fee of the main card. Of course, there are also banks that implement the policy of annual fee for ordinary cards in 80 yuan and annual fee for gold cards 160 yuan, such as Bank of Communications Credit Card. Bank of Communications credit card RMB single currency Capka annual fee 80 yuan, Gold Card 160 yuan; Dual currency Capka 140 yuan, Jinka 200 yuan.
However, the annual fee standard of credit cards of different banks will be different according to different cards. For example, the annual fee of the standard credit card of Shanghai Pudong Development Bank is the main card 180 yuan and the auxiliary card 90 yuan; Gold card annual fee 360 yuan, main card, auxiliary card 180 yuan; Annual fee for Pudong Development Co-branded Card 360 yuan; As for PUFA McDull series credit cards, the signboard of "Free Annual Fee for Life" has been put up. Therefore, even for credit cards issued by the same credit card center, the annual fee standard will be very different. Cardholders should first ask how high this "potential cost" is when handling cards.
Two. Bank annual fee exemption policy:
Citic: swipe your card or withdraw cash once within 30 days of card approval, free of the annual fee for the first year, and swipe your card or withdraw cash five times within one year, free of the annual fee for the next year. For other card types, please refer to official website, or consult the bank's customer service telephone number 95558.
Huaxia: the annual fee is free in the first year, and the annual fee is free in the following year after brushing for 5 times; For other card types, please refer to official website, or consult the bank's customer service telephone number 95577.
Bank of Communications: the annual fee is free in the first year, and the annual fee in the following year can be exempted after six swipes. There is no annual fee-free policy for Bank of Communications Platinum Credit Card. See official website for other card types.
Ping An: Free of annual fee in the first year, and free of annual fee in the following year by swiping the card 6 times (except platinum card and owner card). For other card types, please refer to official website, or consult the customer service telephone number of the bank at 955 1 1 ext.
Agricultural Bank of China: the annual fee is free in the first year, and the annual fee is free for five swipes in the second year. For other card types, please refer to official website or consult the customer service telephone number of the bank at 95599.
ICBC: Puka and Gold Cards are swiped five times a year, free of annual fees; The accumulated consumption of Platinum Card in one year is 200,000 RMB or equivalent foreign currency; The annual fee of UnionPay standard platinum card except UnionPay Zunshang Platinum Card, Dual-core Combination Platinum Card and UnionPay Multi-currency Platinum Card is charged at 10% discount. For other card types, please refer to official website or consult the customer service telephone number of the bank at 95588.
CCB: Puka is brushed 3 times a year, free of annual fee; Standard Platinum Card 10 charge, Red Cross member Dragon Card and Provident Fund Credit Card are free of annual fee within the validity period; For other card types, please refer to official website, or consult the customer service telephone number of the bank at 95533.
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